Smart Hospital Insurance

Get up to 10 USD each night you stay in hospital.

If you have an accident or get sick, Smart Hospital Insurance will help you get better.

Smart Hospital Insurance gives you up to 10 USD each night* you stay in hospital. It’s underwritten by BIMA, the world’s leading provider of mobile-delivered insurance and health services in emerging markets. And it’s available exclusively to Smart subscribers.

Premium

Sum Assured

Daily

Monthly

8 cents/day

1.60 USD/month

10 USD/day

320 USD/year

*For a maximum of 20 days per month.

*Subject to a minimum of 1 consecutive night per visit, and a maximum of 32 days of hospitalization per year (1 USD = 6.25 USD).

*For a maximum of 20 days per month, and subject to a minimum of 1 consecutive night per visit, and a maximum of 32 days of hospitalization per year.

To subscribe and receive cover, you must be between 18 and 69 years old.

Premium deductions will begin on the first day of the month following registration and cover will begin the month after. E.g. Premium deductions for a customer registered on 15th January will begin on 1st February, and cover will begin on 1st March.

Claims are only valid for hospital stays of two or more consecutive days.

If the full premium amount is not collected in a single month, customers may be eligible for partial insurance cover according to the table below. Unused premium will be rolled over to the following month.

Example

Amount Deducted

Percentage Cover

Deduction

Cover (per night in hospital)

Credit Rolled into Following Month

0 c to 39 c

0%

25 cents

$0

25 cents

40 c to 79 c

25%

62 cents

$2.50

22 cents

80 c to $1.19

50%

$1.10

$5

30 cents

1.20 USD to $1.59

75%

$1.55

$7.50

35 cents

Claims must be initiated within 3 months of hospitalization.

Processing of claims will commence after the following documents are submitted: